SBA Loans for El Pollo Loco Franchises
Who actually funds El Pollo Loco SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2022 to 2026.
Top lenders funding El Pollo Loco SBA loans
Ranked by number of El Pollo Loco 7(a) loans approved since 2022.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Summit State Bank | 2 | $4.3M | $2.2M |
| 2 | Commercial Bank of California | 1 | $970K | $970K |
| 2 | Enterprise Bank & Trust | 1 | $1.8M | $1.8M |
| 2 | Bank of America, National Association | 1 | $200K | $200K |
| 2 | Live Oak Banking Company | 1 | $850K | $850K |
| 2 | US Metro Bank | 1 | $2.9M | $2.9M |
| 2 | First General Bank | 1 | $1.4M | $1.4M |
Source: SBA FOIA 7(a) loan-level data, 2022 to 2026. Shows lenders with at least one approved El Pollo Loco loan in this period, ranked by loan count.
El Pollo Loco SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| WA | 2 | $4.3M | $2.2M |
| TX | 2 | $3.7M | $1.9M |
| CA | 3 | $2.6M | $858K |
| CO | 1 | $1.8M | $1.8M |
El Pollo Loco SBA loans by year
How El Pollo Loco SBA loans have performed
Outcomes for every funded El Pollo Loco 7(a) loan approved since FY2010. Each SBA loan usually finances one location, so read these as an estimate of units.
Source: SBA FOIA 7(a) loan-level data. Defaulted means the SBA purchased the guaranty (charged off, or purchased and not yet charged off). Recent loans have had less time to default, and small loan counts swing widely, so one or two loans can move these percentages a lot.
SBA lender notes for El Pollo Locofrom the SBA Franchise Directory
Lender/CDC must ensure they obtain the correct lien position for all collateral as required pursuant to the SOP 50 10
How to use this
The lenders above have actually closed SBA 7(a) loans for El Pollo Loco franchisees, so they already understand the brand's model, unit economics, and franchise agreement. That familiarity usually means a faster, cleaner underwrite than a lender seeing the concept for the first time.
A lender being active historically doesn't mean they're the right fit for your deal size, location, or timing right now. That's where we come in, and we match your El Pollo Loco deal to a lender currently funding this brand.
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